Obituary Backs `removal Of Bush'

1. We are not brokers.
2. Yes we make our money on the yield spread
3. Because we fund our own loans, our rates are competitive with or LOWER than those offered by brokers who charge the fees and points. Thus there is
no "Cost Shifting" from points/fees to higher rate as you stated. They get the low rate you would offer them without the points you would have to
charge them.

4. When you charge those points/fees you INCREASE their debt by "rolling them into" the loan amount, which is hardly a benefit to a borrower in
these conditions.

My guys do HUGE numbers of these loans nationwide. That is how we are able to do this. Make a little on TONS of units and you have a solid business
plan.

Typically brokers are limited to their "territory" and pay their loan officers on commission which creates a conflict between doing what is right
for the borrower and putting food on your table.

I pay my loan officers a base salary and a small bonus for attaining certain levels of production (funded loans per month).

This division is actually "supported", when necessary, by my wholesale and classic retail operations that make the proverbial "killing" on income
per loan.

My "moral" stance was based on the fact that I could cease this program altogether or I could charge the points and fees and pocket the money. I
feel like this is a way to give back to the society that has given so much to me.

Democrats make you poor? What were you doing in the 90's. ZEveryone was rich in the 90's. If you didn't have a job in the 90's, its because you
didn't want one. That's the truth.

Bush has been in for three years and look at all the damage he's caused. its time to stop BLAMING Clinton who is long gone and who's policies have
been dismantled and start looking at the real cancer on America: Bush.

Colonel?
I'm seriously beginning to think that the 'air' your breathing in that "Democrat Bubble" is becoming quite unpure. WARNING: DO NOT BREATH IN
CARBON MONOXIDE! WILL EFFECT BRAIN FUNCTIONS AND CAUSE BLURRED VISION.....WARNING.

"A careful review of policy decisions and economic data of the past two decades leads to two inescapable conclusions that set the media mythology on
its ear:
1) The prosperity of the 1990's was a direct outgrowth of courageous and enlightened economic policies carried out under Ronald Reagan in the
1980's.
2) The stagnation of the 2000's is a direct outgrowth of shortsighted and destructive economic policies carried out in the 1990's, mostly under
Bill Clinton."

Keep thinking that BC is Jesus and that the Democratic Party is the New Heavenly Kingdom on Earth. I would certainly hate to wake you from that
dream......

Again.....unless the Democracks can come up with a viable candidate, it seems, somewhat sadly, that 'we' are stuck with G. Bush. BUT, I
would suggest that you end with the "Democracks gave 'us' the prosperity of the 90's" rhetoric......its BS.

Originally posted by Springer
I was LOADED during the 90's ... then I went to re-hab... ALL Clinton's fault... Got sued out of business... ALL Clinton's fault...

Had a CRAZY, DEMOCRAT, now, Ex-Wife.... All Clinton's fault.

I have had nothing but BLISS since Dubya took office. Thank You George.

P...
m...

You got sued out of business? That has nothing to do with Clinton. You divorced Dem ex-wife? That's not Clinton's fault. YOU BLAME YOUR MARRIAGE ON
CLINTON??? This is just ridiculous.

Now, you live in bliss. What about the rest of the country? What about the rest of the planet??

Typical selfish republican.

Wow! Democrat logic used against a democrat and the democrat attacks the democrat logic.
And a professional liar *ahem, I mean lawyer* democrat at that. Would've figured that trap would have been spotted.

Originally posted by Thomas Crowne
You pick and coose what you want to include, Colonel. Eight years of Clintonism placed us in our precarious position. Thank God Shrub was elected
president and not Gore, as Gore would have sent the terror groups letters of apology for having the towers in their way along with wads of cash and
suggestions of hugging trees.

I fear I'm not as the Colonel is, as a matter of fact, it is from democrats that I heard how Gore would've been.

Clinton's ties to the NWO bunch was so obvious, and the intentional destruction of the constitution under his control was also obvious (to those who
have a clue of the document and the other pertinent documents), but it was conducted during a time when we weren't contending with the war on terror.
That particular problem can, and is probably masking a number of things that won't be reversed after this Jello-ish war is called to an end. While
Colonel's blind screaming about the "repugnents" bringing the sky down on us makes for great fun, his over the edge nonsense masks the truth as
much as the war does. I would like to think I'll never become that irrational about the scene, one way or the other.

Ok, I think 99% of all these political squabbles are complete BS, but I find it sad that Colonel is constantly under fire for expressing his views
over-enthusiasticaly, when exactly the same thing is being done by the other side. Don't bash colonel if you're going to mimic him.......it makes it
look like you don't really mind the topic, you just want to bash a liberal.......as I'm sure happens the other way around with Republican bashers.
It has to stop somewhere...

Its always funny when the Colonel ain't around huh? Like the mice playing.

Springer: Well, as I said, I commend you on your help. Maybe we should get a collection of help like you have done on ATS. But that besides the
point.

My help came in different ways. My help came in actually not stepping over the REALLY DIRTY NASTY SMELLY beggars on the street. You give them money.
But, its not over there.

You give it to them and listen to their story. You listen on how THEY GOT THERE. YOu listen to them because no one else will because no one cares.
You go to ther liquor store and buy a 24 oz for yourself and him and listen.

You'll find that some were just like us.

And, others are certifiably crazy.

But, most I've run into are: "just like us."

And black

And cheering me on and they say "whatever you're doing, don't stop. Don't be like me. Be the "bull" (as I have been called) like you look like.
But, don't forget about me.

I say thanks and I move on til I see them again for another chat and a bit of money for their time because no one likes to be........

While your writing abilities are becoming LEGENDARY I still MUST take issue with you here...

Somehow you figure buying booze for and talking with a homeless man is DOING GOOD for your fellow American?

It's certainly EASING his pain through temporary enibriation, and I truly do appreciate the the fact that a man went to sleep that night knowing that
another man (you) gave enough of a sh1t about him to LISTEN to his story for no other reason than the fact he is a fellow-man.

But, as I find most of your HATE FILLED rhetoric, this is NOT going to appreciably or substantially IMPROVE this man's lot in life over the
LONG-TERM.

This is primarily what I beleive most of the posters around here have been trying to tell you.

You'll ALWAYS kill more flies with sugar than you will with salt. Assuming your TRUE goal is to CONVERT the Republicans and Independants to your
cause, I suggest you start re-thinking your strategy.

If, in fact, your goal is nothing more than a brawl, then you got it goin' on, I actually impart this snippet of wisdom to you with a bittersweet
taste, I actually LOVE your rants my man...

More garbage, more nonsense and more hate. Wishing and expecting people to go to Hell. Yes, you are "artwork" that only the ACLU would try and
protect.

Buy them a bottle of Mad Dog and listen to their sob story. Don't bother telling us your feel-good garbage, get a TV camera and really get
some media coverage. There's a Republican in the White House, so the major media will give you all kinds of air time, but don't wait for you
Democrat to get in, then all of you blindly step over them, never even acknowledging them until they are once again politically advantageous.

Ever thought you are about bass-ackwards (trust me, I've known that since you have been here)? What good does it do to listen to a loser? You
planning on following in his footsteps? You want to help him (I mean really do good, not just try and polish your fake halo in front of us) why not
get him in front of those who can help him? Maybe he needs to be the one to shut up and listen, not jabber away at a politically motivated
Esquire.

I'm sure these people tell you to keep doing what you are doing. They obviously didn't have the key to success!

Originally posted by Thomas Crowne
More garbage, more nonsense and more hate. Wishing and expecting people to go to Hell. Yes, you are "artwork" that only the ACLU would try and
protect.

Buy them a bottle of Mad Dog and listen to their sob story. Don't bother telling us your feel-good garbage, get a TV camera and really get
some media coverage. There's a Republican in the White House, so the major media will give you all kinds of air time, but don't wait for you
Democrat to get in, then all of you blindly step over them, never even acknowledging them until they are once again politically advantageous.

Ever thought you are about bass-ackwards (trust me, I've known that since you have been here)? What good does it do to listen to a loser? You
planning on following in his footsteps? You want to help him (I mean really do good, not just try and polish your fake halo in front of us) why not
get him in front of those who can help him? Maybe he needs to be the one to shut up and listen, not jabber away at a politically motivated
Esquire.

I'm sure these people tell you to keep doing what you are doing. They obviously didn't have the key to success!

Originally posted by Colonel
Its always funny when the Colonel ain't around huh? Like the mice playing.

Springer: Well, as I said, I commend you on your help. Maybe we should get a collection of help like you have done on ATS. But that besides the
point.

My help came in different ways. My help came in actually not stepping over the REALLY DIRTY NASTY SMELLY beggars on the street. You give them money.
But, its not over there.

You give it to them and listen to their story. You listen on how THEY GOT THERE. YOu listen to them because no one else will because no one cares.
You go to ther liquor store and buy a 24 oz for yourself and him and listen.

You'll find that some were just like us.

And, others are certifiably crazy.

But, most I've run into are: "just like us."

And black

And cheering me on and they say "whatever you're doing, don't stop. Don't be like me. Be the "bull" (as I have been called) like you look like.
But, don't forget about me.

I say thanks and I move on til I see them again for another chat and a bit of money for their time because no one likes to be........

forgotten.

[Edited on 24-8-2003 by Colonel]

uh huh.

question, what did any of this do to help them to:

get a job

find somewhere to live

raise their level of education

instill in them a sense of accomplishment and pride

raise their standards and make them push themselves harder to be a better person and a more successful person.

colonel i'm not attacking you here but anyone can sit there share a beer and pull the "me too" act. its shared self pity and wallowing. thats all
it is. unless you helped them get a job, or something else that can actually be measured as some kind of success all you did was waste their time by
giving them false hopes that you care and you wasted your time listening to a person you ultimately didnt do a damn thing for. basically you pay them
lip service and guess who else does that? POLITICIANS. they act sympathetic but they arent. they claim to care, but do nothing to show it. they
say one thing, but do another. and just like you after they get done listening to us they go to their own home and eventually forget we exist.

spare me "well only republicans do that" BS all politicians do it whether you want to acknowledge it or not doesnt change the fact they all do
it.

i think its even worst that you do this to people. takes a little bit more than a beer and a spare ear to help people out, you have to do something
for them in order to say you're doing something. so far you havent done much of anything but perpetuate someones drinking problem at your own
expense.

politicians do this to get votes, since you're not a politican what do you get out of this? does this somehow justify your ability to sleep at
night? do you REALLY think that just listening to someone is doing anything? do you actually feel like you did something when you do this?

i'm rather curious why you even bother listening if you're not going to do anything for them afterwards.

Oh, and this wasn't an attack. (Republicans can LIE, man). How did it help him? Well, he knew someone gave a damn. And this guy coud help himself at
times, he got a shoe shine box (until it was stolen). He got a job seeping up a hair cuttery.

Thing is, he wasn't always homeless. See, he HAD a home, car, and the like. However, you wouldn't know that if yu didn't take the time to talk to
him...

Originally posted by Colonel
Oh, and this wasn't an attack. (Republicans can LIE, man). How did it help him? Well, he knew someone gave a damn. And this guy coud help himself at
times, he got a shoe shine box (until it was stolen). He got a job seeping up a hair cuttery.

Thing is, he wasn't always homeless. See, he HAD a home, car, and the like. However, you wouldn't know that if yu didn't take the time to talk to
him...

[Edited on 25-8-2003 by Colonel]

\

lol i see you are STILL assuming that i am a republican and you are now gonig so far as to accuse me of being a liar? believe me, if i wanted to
attack you i could do far worse than anything you have ever done on this board yourself. but i believe in being civil unlike you so i'm not going to
reduce myself to your lowly level of drunken outbursts and "i'm like jesus christ" comparison comments.'

talk to him ot listening to him didnt keep his little shine box from be stolen. it didnt feed him or clothe him.

YOU didnt do squat for him. a job sweeping up in a barber shop? given to him by someone else. not you.

you gave him a beer. woohoo! look at you go! making such strides to help your fellow man! we should give you a medal....hahahahahahahahaha

waaaaah i didnt talk to him. doesnt matter what he had. me listening to him wouldnt have changed any of that. you act as if you just listen
miraculous things happen like people stop drinking and using drugs, get jobs and find places to live. sadly thats not reality thats just the twisted
little world inside your head where you're convinced everyone is out to get you.

Originally posted by Colonel
Oh, and this wasn't an attack. (Republicans can LIE, man). How did it help him? Well, he knew someone gave a damn. And this guy coud help himself at
times, he got a shoe shine box (until it was stolen). He got a job seeping up a hair cuttery.

Thing is, he wasn't always homeless. See, he HAD a home, car, and the like. However, you wouldn't know that if yu didn't take the time to talk to
him...

[Edited on 25-8-2003 by Colonel]

\

lol i see you are STILL assuming that i am a republican and you are now gonig so far as to accuse me of being a liar? believe me, if i wanted to
attack you i could do far worse than anything you have ever done on this board yourself. but i believe in being civil unlike you so i'm not going to
reduce myself to your lowly level of drunken outbursts and "i'm like jesus christ" comparison comments.'

talk to him ot listening to him didnt keep his little shine box from be stolen. it didnt feed him or clothe him.

YOU didnt do squat for him. a job sweeping up in a barber shop? given to him by someone else. not you.

you gave him a beer. woohoo! look at you go! making such strides to help your fellow man! we should give you a medal....hahahahahahahahaha

waaaaah i didnt talk to him. doesnt matter what he had. me listening to him wouldnt have changed any of that. you act as if you just listen
miraculous things happen like people stop drinking and using drugs, get jobs and find places to live. sadly thats not reality thats just the twisted
little world inside your head where you're convinced everyone is out to get you.

I'm sorry. If I were my "true" self I would have been instantly banned---just ask Freddie.

Now, as opposed to not listening ot him, I shuld have stepped over him like YOU and say, "Get it together, bum." If I said anything at all.

Originally posted by Colonel
Oh, and this wasn't an attack. (Republicans can LIE, man). How did it help him? Well, he knew someone gave a damn. And this guy coud help himself at
times, he got a shoe shine box (until it was stolen). He got a job seeping up a hair cuttery.

Thing is, he wasn't always homeless. See, he HAD a home, car, and the like. However, you wouldn't know that if yu didn't take the time to talk to
him...

[Edited on 25-8-2003 by Colonel]

\

lol i see you are STILL assuming that i am a republican and you are now gonig so far as to accuse me of being a liar? believe me, if i wanted to
attack you i could do far worse than anything you have ever done on this board yourself. but i believe in being civil unlike you so i'm not going to
reduce myself to your lowly level of drunken outbursts and "i'm like jesus christ" comparison comments.'

talk to him ot listening to him didnt keep his little shine box from be stolen. it didnt feed him or clothe him.

YOU didnt do squat for him. a job sweeping up in a barber shop? given to him by someone else. not you.

you gave him a beer. woohoo! look at you go! making such strides to help your fellow man! we should give you a medal....hahahahahahahahaha

waaaaah i didnt talk to him. doesnt matter what he had. me listening to him wouldnt have changed any of that. you act as if you just listen
miraculous things happen like people stop drinking and using drugs, get jobs and find places to live. sadly thats not reality thats just the twisted
little world inside your head where you're convinced everyone is out to get you.

I'm sorry. If I were my "true" self I would have been instantly banned---just ask Freddie.

Now, as opposed to not listening ot him, I shuld have stepped over him like YOU and say, "Get it together, bum." If I said anything at all.

wow more assumptions. you're wrong. if i'm going to take the time to care i'm going to take the time to do something for them besides just
listen to their story buy them a beer and then go back to my house. if you're not going to actually help them then you mgiht as well walk right over
them with a callus attitude. you cant say you care if your actions do not show it. we can say whatever we want but if our actions do not back our
words up they are meaningless.

buying him a beer didnt do jack for him. pretending to care and then doing nothing for him gave him if anything false hope. just like a politician.
the very people you loathe. say one thing do another.

fact remains you listening to him didnt feed him clothe him shelter him or employ him. it didnt do anythign but pass the time. made his life all
that much shorter in the process. yes i can see why you'd be proud of this.

as long as he felt good for those few moments its doesnt matter that he woke up the next day in the same spot while you woke out of your bed and didnt
jack for him while acting as if you did. while he had a cup of jack squat for breakfast i'm sure you were getting a nice big bowl of "full O
me's" feeling so proud of yourself for having lead a man into believing you cared whren your actions speak otherwise.

remember colonel the road to hell is paved with good intentions. we can mean the best but if we do nothing then we are doing the worst.

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